Podcasts about what women need

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Best podcasts about what women need

Latest podcast episodes about what women need

Relationship Warrior Code
What Women Need

Relationship Warrior Code

Play Episode Listen Later May 26, 2025 2:56


Take Back Retirement
102: What Women Need to Know about Avoiding IRA Nightmare Stories with Denise Appleby

Take Back Retirement

Play Episode Listen Later Nov 21, 2024 56:02


“Prevention is better than cure. Don't feel overwhelmed by all this. Would you remove your own kidney? You would go to a professional to get it done.” -Denise Appleby   Renowned IRA and retirement plans expert Denise Appleby joins our hosts Stephanie McCullough and Kevin Gaines for a crucial conversation on managing your retirement accounts effectively, especially as 2024 comes to a close.   Having trained thousands of financial, tax, and legal professionals, Denise shares her invaluable insights on year-end retirement planning strategies, covering the complexities of Required Minimum Distributions (RMDs) and the potential pitfalls of rollovers.   They talk about the challenges family members face when inheriting IRAs and handling 401(k) withdrawals, including those aged 73 and older.   In addition to RMDs, they also cover Roth conversions and Qualified Charitable Distributions (QCDs), giving you much-needed clarity on suitability assessments and precise reporting needs.   Denise explains the differences between transfers and rollovers, providing real-life examples of costly mistakes and IRS penalties that typically come from common misunderstandings. By sharing these cautionary tales, Denise demonstrates the importance of consulting knowledgeable financial advisors to guide you through these often-daunting processes, ensuring your retirement plan remains on track!   Key Topics: How to Manage Your Retirement Accounts Before the Year Ends (3:38) Navigating IRS Publications and Regulations (10:18) What's Eligible for a Rollover? (22:38) Understanding Beneficiary IRAs and R&D (27:30) Direct Versus Indirect Roth Conversions (38:28) A Primer on Qualified Charitable Distributions (46:42) Stephanie and Kevin's Key Takeaways (59:45)   Resources: DeniseAppleby.com Take Back Retirement Episode 12: What Women Need to Know About IRA's, with Sarah Brenner Take Back Retirement Episode 20: Women + Roth IRA's – What Should You Be Aware Of? Take Back Retirement Episode 58: Secure Act 2.0: New Retirement Account Rules, Same Old Message! Take Back Retirement Episode 78: The Essential Rules to Know When You Inherit an IRA     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

The Flipping 50 Show
Optimizing Hormones Early in Perimenopause

The Flipping 50 Show

Play Episode Listen Later Oct 15, 2024 55:51


My Guest: Emily Sadri is a Board Certified Women's Health Nurse Practitioner, Certified Nurse Midwife, and the founder of Aurelia Health, a modern telemedicine practice for women over 35. Aurelia Health provides comprehensive hormone replacement therapy and weight loss support with long visits and un-rushed care. Emily is passionate about making complex hormonal topics accessible and believes that great health starts with happy hormones and a balanced stress response. Questions We Answer in This Episode: Why do you think there still so much confusion about hormone replacement therapy and if it's "good" or "bad"[00:18:56] You suggest there are downsides to hormone testing… and I'm curious about why you'd say so? [00:22:50] I'm also shocked to find some believe testing is unnecessary with estrogen and progesterone replacement therapy, that seems like a big fat game of trial and error and any woman on HRT knows that getting your cocktail right already is a course-correcting journey as it is - say more about these people who are shooting darts in the dark.. Who does that? [00:24:29] First of all, what is balanced? How do you know when all of the major hormones are "balanced"? [00:27:52] Do you think every woman benefits from testosterone replacement therapy? [00:34:26] What additional factors do you focus on with your patients to help them be successful with HRT? [00:35:08] Few women were optimizing hormones early in perimenopause a decade ago. But the health outlook for those that do stands to be significantly better than for those women who experience drops then boost it again. Are you doing HRT in perimenopause? Or Did you? Connect with Emily and The Perimenopause Revolution Summit https://www.flippingfifty.com/revolution On Social: Instagram: https://www.instagram.com/emilysadri_np/ Facebook: https://www.facebook.com/emilysadri.np.ohio Other Episodes You Might Like: Can I Still Start Hormones 10 Years After Menopause? Doctors Respond: https://www.flippingfifty.com/start-hormones-10-years-after-menopause/ What Women Need to Know about Hormone Replacement Therapy: https://www.flippingfifty.com/what-to-know-about-hrt/ Hormone Testing Started It: What My GI Doctor Suggested I Do Next: https://www.flippingfifty.com/hormone-testing-started/ Resources: 5 Day Flip: https://www.flippingfifty.com/

Take Back Retirement
100: What GenX Women Need to Know About Retirement

Take Back Retirement

Play Episode Listen Later Oct 15, 2024 34:53


“We're nothing if not resourceful. That's our generation's superpower.” -Kevin   In celebration of the 100th episode of Take Back Retirement, our hosts Stephanie and Kevin Gaines reflect on the defining characteristics of their very own generation–Gen X–and key lessons that women in this age bracket can put into practice today in preparing for retirement.   From the seismic shift from pensions to 401(k) plans, to navigating the rollercoaster of financial events like the 1987 Black Monday and the dot-com bubble at the turn of the century, today's conversation explores the pivotal moments that molded an entire generation's approach to financial planning.   Our hosts shed light on the realities of midlife day-to-days in the 2020s, from dealing with the fallout of being the “Sandwich Generation” to considerations around financially supporting family members amid shaky times.   At the same time, Stephanie and Kevin celebrate the unique brand of resourcefulness that defines GenX, emphasizing their quest to find “balance, flexibility, and self-determination.”   Key Topics: The Defining Characteristics of GenXers (5:14) Why GenXers are More Cautious with Money (10:11) The “Sandwich Generation” (12:41) “How Do We Deal With All This Crap?” (18:05) Accepting That You Can't Control Everything (22:28) Financially Supporting Family (32:02) Key Takeaways (34:12)     Resources: Leave a Voice Memo for Take Back Retirement Personal Financial Inventory Downloadable Resource Take Back Retirement Ep 15: What Women Need to Know About Social Security Take Back Retirement Ep 82: Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber Take Back Retirement Ep 21: Simplifying Medicare: What's Important For You To Know with Susan Sloan Take Back Retirement Ep 14: What Women Need to Know About Caregiving and Elder Law with Cathy Sikorski     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

The Flipping 50 Show
The Book Busting Menopause Myths That Women (and Their Doctors) Believe

The Flipping 50 Show

Play Episode Listen Later Sep 10, 2024 49:10


Busting Menopause Myths Estrogen causes breast cancer, gaining weight and belly fat which are inevitable… Today we are busting menopause myths just like this. In this episode, I interview a pair of authors offering refreshing insight to midlife and beyond women who are often sheltered from all the health options available to them and misinformed, or incompletely informed. Stay tuned to the end, if fat burning is something you want to know more about … and I know.. Trick question right? Kristin and Maria present the concept of fat burning and becoming fat adapted in a way that makes it easy to understand why what you've been trying to do may not be working for you .. at all. So join us in this episode for the menopause myth busting intel in this book and what's inside which goes far beyond the valuable practical tips you'll get from it, and why it's about time you had this book. Busting Menopause Myths from HRT to Supplements My Guests: Kristin Johnson, JD, BCHN FNTP is Board Certified in Holistic Nutrition through the National Association of Nutrition Professionals, is a Functional Nutritional Therapy Practitioner through the Nutritional Therapy Association, and is a “recovering corporate attorney.” Maria Claps, FDN-P is a certified health coach through the Institute for Integrative Nutrition and is a Functional Diagnostic Nutrition Practitioner. Together, Kristin and Maria have developed a deep specialty in perimenopause and menopause health through clinical mentorships with multiple medical doctors and naturopaths specializing in hormone replacement therapy. They completed advanced training in functional testing modalities which they use in their clinical practice educating and helping midlife women. They created a professional training program for other midlife women's health practitioners. Questions We Answer in This Episode: What prompted you to write the book? [00:03:51] Let's talk about the Priority … [00:04:26] What did you mean by Menopause Gold Rush? [00:09:45] You write about informed consent, what does that mean? [00:23:13] What is oxidative priority in regards to burning fat in menopause? [00:35:15] Was this episode on busting menopause myths helpful to you? If so, would you please share it with a friend or three? Connect with Maria and Kristin: https://www.amazon.com/Great-Menopause-Myth-Mastering-Uncomfortable/dp/0760388261/ref=rvi_d_sccl_1/139-8017262-8747407?content-id=amzn1.sym.f5690a4d-f2bb-45d9-9d1b-736fee412437&geniuslink=true&pd_rd_i=0760388261&pd_rd_r=fe302897-7298-465e-b45d-5c4166ffbbea&pd_rd_w=Nvra4&pd_rd_wg=NoZNj&pf_rd_p=f5690a4d-f2bb-45d9-9d1b-736fee412437&pf_rd_r=K2X5K9NCYC8WDAVX92PS&psc=1&tag=namespacebran417-20 https://wiseandwell.me/ On Social: Instagram: https://www.instagram.com/wise_and_well_/ Other Episodes You Might Like: A Hormone Therapy Roadmap: What, When & Why: https://www.flippingfifty.com/hormone-therapy-roadmap/ What Women Need to Know about Hormone Replacement Therapy: https://www.flippingfifty.com/what-to-know-about-hrt/ 4 Menopause Myths that Persist: https://www.flippingfifty.com/4-menopause-myths/ Resources: Stronger: https://www.flippingfifty.com/getstronger 5 Day Flip: https://www.flippingfifty.com

Take Back Retirement
92: What Women Need to Know about Inflation: What It Is, and Why You Should Care -- But Not Panic!

Take Back Retirement

Play Episode Listen Later Jun 19, 2024 35:05


“Each dollar today buys less than the same dollar did 10 years ago. Which is why a lot of financial advisors are so focused on helping clients grow their money over time. It's not to become wealthy and die with the most money, it's because the cost of living goes up over time.” - Stephanie   Our hosts Stephanie McCullough and Kevin Gaines demystify the often-frustrating world of inflation and its daily impact on our wallets. They dive into how rising prices sneakily erode your purchasing power and why this is a crucial consideration for your financial plans, especially when eyeing retirement. Stephanie and Kevin shed light on how personal spending patterns can differ from the inflation rates reported in the news, making it essential to tailor your investment strategies to your unique lifestyle.   They also explore the intricate dance between inflation and interest rates, breaking down how the Federal Reserve's moves can affect everything from your savings account to your mortgage rates. As they transition to retirement planning, Stephanie and Kevin bust the myth that retirees should play it ultra-safe with their investments.   Learn why incorporating growth assets like stocks is critical to outpacing inflation and ensuring long-term financial security. Plus, discover the benefits of flexible spending and part-time income to make your retirement savings last longer. Don't miss this insightful episode packed with practical advice for safeguarding your financial future.   Key Topics: Inflation, its Definition, and its Impact on Personal Finance (02:19) How Inflation is Measured and its Impact on the Economy (03:45) How Inflation Impacts Retirement Planning + Mapping Financial Projections (11:34) Inflation, Retirement Savings, and Investments (22:33) Retirement Planning and Accounting for Inflation (29:59)   Resources: Take Back Retirement Episode 15: What Women Need to Know About Social Security Take Back Retirement Episode 82: Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber Take Back Retirement Episode 60: What Women Need to Know About Annuities Take Back Retirement Episode 7: Here's a Secret: We're Guessing, and That's OK       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
91: Securing Your Retirement: Key Insights and Strategies

Take Back Retirement

Play Episode Listen Later May 30, 2024 34:11


“If the average life expectancy for a woman is around 86, 87, fully 50% of women live longer than that. So, you can't plan just to age 87.”   Can a simple quiz change the way you think about retirement? Our hosts Stephanie McCullough and Kevin Gaines uncover the hidden gems (and not-so-shiny stones) within retirement planning quizzes and surveys, especially a revealing retirement income literacy quiz from the American College of Financial Services. Our hosts dismantle common myths, like the idea that Medicaid will seamlessly cover long-term care costs, and arm you with the knowledge to navigate these complex waters.   Have you ever considered how rising long-term care costs and inflation might impact your golden years? This discussion, inspired by findings from the National Institute for Retirement Security, paints a vivid picture of these pressing issues. From Medicare and Social Security to life insurance, 401k plans, and annuities, Stephanie and Kevin dissect the tools at your disposal. By highlighting the importance of basic investing principles and the balance of risks, they aim to help you safeguard your savings against inflation and elongate your nest egg for a potentially longer retirement.   In a climate where up to 80% of women sense a looming retirement crisis, how can you alleviate your retirement anxiety? Our hosts explore the shift from employer-provided pension plans to self-funded retirements, and why Social Security remains a lifeline for many. Rising living, healthcare, and long-term care costs are at the forefront of concerns, making financial planning more crucial than ever.     Key Topics: Why Did Stephanie and Kevin Take a Retirement Income “Literacy” Quiz? (02:11) Long-term Care, Medicare vs Medicaid, and More (04:10) What Women Think about Retirement (07:49) Life Expectancy Beyond 65 and its Impact on Retirement Finances (14:37) Looking Beyond Investments in Retirement Planning (19:08) Women's Outlook on Retirement (Crisis) (21:40) Longevity “Literacy” (27:32) Wrap-Up (32:26)     Resources: Take Back Retirement Episodes: 82: Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber 15: What Women Need to Know About Social Security 21: Simplifying Medicare: What's Important For You To Know with Susan Sloan 60: What Women Need to Know About Annuities       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

The Flipping 50 Show
Restore Hormones to Factory Settings? More Science for bHRT

The Flipping 50 Show

Play Episode Listen Later Mar 19, 2024 39:29


Restore before more is the number one tenant of Flipping 50. In this episode we visit the concept that you restore hormones using bHRT.  Whether you are or you aren't. I'd say most women I know in 2024, are open to and already having conversations around hormone replacement.  In our 10th year at Flipping 50, we've been discussing pros and cons and what happens with body composition, bone density, muscle mass and brain health during menopause. We touch on the anecdotal evidence we have from thousands of participants, and fewer but more intimate, private clients who use or choose not to use bHRT and the results they get.  In this episode we introduce a new guest to the show who's book “Restore” takes look at the benefits of bHRT. Whether you are, aren't or your on the fence about ability to restore hormones and the effects on short and long term health, I think you'll like this episode.  My Guest: Dr. Gregory J Brannon is a surgeon, public figure, and founder of the leading Bioidentical Hormone Replacement Therapy (BHRT) practice Optimal Bio where he oversees seven offices across North Carolina, South Carolina and Virginia. In addition to his current role of Physician and Medical Director at Optimal Bio, Brannon uses over 30 years of medical experience to educate others on taking ownership of their health. Dr. Brannon is the author of the 2020 published book, The Hormone Handbook: Optimizing Your Health Through Bioidentical Hormones, and will publish a second book in Spring 2024 titled “Restore.” Prior to spending 30 years as a successful private practice OBGYN in Cary, NC, Dr. Brannon completed his medical residency at University of Southern California Women's Hospital, Los Angeles, and then served as assistant professor of Obstetrics and Gynecology at University of North Carolina School of Medicine, with work at Wake Area Health Education Center. Brannon's OB/GYN experience sparked his interest in hormones and how they work within the body. Impressed and inspired by his experience with BHRT, Brannon opened Optimal Bio in Cary, NC in 2012. Optimal Bio is a BHRT practice dedicated to bringing people's bodies back to the optimal levels they were initially designed to maintain. Questions We Answer in This Episode: What's the longest documented use to date of bHRT? What is some of the best research – documentation of the effects of bHRT on women who've taken them for decades vs have not on bone, muscle, brain health? Tell us about the research cited in your upcoming book “Restore” as they relate to women a BHRT seeking to restore her hormones. Connect with Greg: Website: https://optimalbio.com/ On Social: Facebook: https://www.facebook.com/OptimalBioBHRT Instagram:  https://www.instagram.com/gregbrannonmd/ LinkedIn: https://www.linkedin.com/in/heatherawadmd?trk=public_post_feed-actor-name   https://www.instagram.com/optimalbio/ YouTube:  https://www.youtube.com/channel/UCRWEkzCUh_CHIBGB5dae5rw Resources:  Upcoming book “Restore” which will be released on March 12, 2024. “Restore” is already available for preorder on Amazon, Target, Walmart and wherever books are sold. “Restore” in ebook form will be available via Kindle as of mid-January 2024. Additional Books: Nobody Wants You Healthy – Mark Richards  Estrogen Matters – Avrum Bluming, Carol Tavris Obesity Code – Dr. Jason Fung Other Episodes You Might Like:  A Hormone Therapy Roadmap: What, When & Why https://www.flippingfifty.com/hormone-therapy-roadmap/ What Women Need to Know about Hormone Replacement Therapy https://www.flippingfifty.com/what-to-know-about-hrt/ Your Hormones and Heart Health https://www.flippingfifty.com/hormones-and-heart-health/

The Game On Girlfriend Podcast
218. Business Cash Flow: How to Pay Yourself (and the IRS) Consistently with Erica Goode

The Game On Girlfriend Podcast

Play Episode Listen Later Mar 5, 2024 24:25


Cash flow planning helps us look forward and know what you can plan out in your business to make those good investment decisions, hiring decisions, pay yourself more, or plan for taxes. Erica Goode, CPA and host of the Coaches, Consultants, and Money podcast, helps business owners manage their money. She also runs a virtual accounting firm that supports coaches and consultants with bookkeeping, tax planning, and CFO services. Goode, a former director of finance at Walgreens, started her career as an editor at KPMG. "I love talking money, getting hold of money in a mental kind of way," says Erica. "Getting our mindset wrapped around money so that we can feel empowered and confident in our decisions as opposed to uneasy and confused about what we should do next." As a business owner, Erica says there is so much noise about paying zero taxes. There are legitimate ways that companies pay no taxes, but they are really specific tax credits for really specific industries.  If you want to build massive housing, solar farms, or microchips – you'll have better luck with not paying taxes. "I think there's this concept because we hear about these really unique situations, we assume they apply to everybody, and they apply to us," says Erica. "And I'm doing something wrong if I'm paying tax, when in reality, in a service-based business … the goal is to pay tax because tax means you made a profit." Erica wants to plan with her clients so there are no surprises come tax time. She looks at their real-time profit each quarter and ensures they are paying the correct withholding and estimated taxes. So even if you have to pay $30,000, you break it up into four chunks, and you're not writing that full check with penalties at the end of the year. At the end of the day, Erica works to block out cash flow planning for each moving part rather than focusing on the balance in your bank account. While everyone might know the amount they want to see in their bank, Erica works to talk through the cash flow of a client's tax contribution, their 401K, etc., so those pieces aren't a surprise later. For those who've left corporate jobs, financial comfort was in knowing what would hit your bank account at the end of the month. You knew when you were going to get a bonus. It was consistent. You didn't have to worry about making the mortgage payment.  When you strike out on your own, that's one of the biggest mindset shifts you have to work on. How scary and uncomfortable that can be as you acclimate to the idea that running a business doesn't mean a consistent income. Cashflow planning helps turn that focus to look forward and how to allocate the money you are bringing in. Erica likes to hold a monthly sit down with clients; you tend to know how much your expenses cost, so it becomes very clear what you can and can't afford.  "Sometimes, we don't feel like we can pay ourselves because we don't have a clear view," says Erica. "I love to look forward because I think when we can build out the confidence of the future, we make better decisions today." Connect with guest Erica Goode: https://www.ericagoode.com  Follow Erica on Instagram: https://www.instagram.com/erica.goode.cpa/  and LinkedIn https://www.linkedin.com/in/erica-goode-cpa-00205616/  Other GOG episodes you might want to check out: The Secret to Your Business Numbers Will Change Everything with Lauren Colson https://sarahwalton.com/understand-business-numbers/  What Women Need to Know to Manage Their Money With Lisa Crosta https://sarahwalton.com/money-management-women/   You can check out our podcast interviews on YouTube, too! http://bit.ly/YouTubeSWalton  Thank you so much for listening. I'm so honored that you're here and would be so grateful if you could leave a quick review on Apple Podcasts by clicking here, scrolling to the bottom, and clicking “Write a review.” Then we'll get to inspire even more people! (If you're not sure how to leave a review, you can watch this quick tutorial.) #CashFlow #Taxes #MoneyManagement #WomenAndMoney #WomenInBusiness #AskExpert #SalesCoach  

Take Back Retirement
85: Mastering Tax Season: Strategies for Preparation, Document Gathering, and Future Planning

Take Back Retirement

Play Episode Listen Later Feb 29, 2024 32:53


“If they're only worried about that current year, then that's what they're going to focus on. Let your accountant know, ‘I'm interested in what my tax bill's going to be three, five years down the road. So, if there's something we need to be doing, let's have a conversation.'” Tax season is among us. Or as Kevin would sing, “It's the most wonderful time of the year!” Whether you share Kevin's sentiment, or not so much, you'll want to tune into this one as our hosts Kevin Gaines and Stephanie McCullough peel back the curtain on the world of tax preparation, sharing their own stories of triumph and tribulation. Their chat isn't just theory; they offer actionable tips and stress the importance of software as a reliable sidekick, ensuring you can step into tax season with your head held high and your numbers in order.   Gathering tax documents can feel like a scavenger hunt. Stephanie and Kevin break down the must-have forms, from W-2s to various 1099s, and share strategies for proactively obtaining them, sometimes needing to look beyond the mailbox to online portals. They delve into the importance of keeping an organized record of deductible expenses for smoother and more accurate reporting.   This conversation is designed to help you understand the vital details so that you can either compile your documents like a pro or hand them off to one without a hitch. So join in, and let's chart a course through the fiscal galaxy, armed with knowledge and a dash of humor, because taxes don't have to be all that taxing, after all.     Key Topics: Tax Season is Here! DIY vs Professional Help (02:09) Tax Preparation and Documentation (10:52) Tax Planning and Strategies for Small Business Owners (15:45) Tax Planning, Retirement Savings and IRAs (20:45) Tax Planning Strategies for Retirement Accounts and Income Brackets (26:18) Wrap-Up (29:40)     Resources: Take Back Retirement Episode 82: Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber Take Back Retirement Episode 20: Women + Roth IRA's – What Should You Be Aware Of? Take Back Retirement Episode 12: What Women Need to Know About IRA's, with Sarah Brenner Take Back Retirement Episode 27: Health Savings Accounts (HSA's): What Women Need to Know       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
84: The Retirement Expense You Can't Afford to Ignore: Planning for Healthcare Costs

Take Back Retirement

Play Episode Listen Later Feb 15, 2024 27:00


“If you're looking at the costs of medical expenses over time, they've actually historically grown faster than regular inflation. Healthcare is expensive, and it goes up faster than the rest of your spending; don't overlook it.”   Listen in as our hosts, Stephanie McCullough of Sofia Financial, and Kevin Gaines of American Financial Management Group tackle the critical yet often underestimated topic of healthcare costs in retirement. They uncover the harsh reality that healthcare expenses can become a significant financial burden if not properly accounted for in your retirement plan. Shedding light on the unpredictable nature of health and the associated costs, they stress the importance of being prepared for more than just your mortgage or grocery bills. They also debunk the common misconceptions around Medicare and long-term care.   Stephanie and Kevin explore the complexities of managing retirement funds with future taxes in mind. They highlight the strategies to mitigate the tax hit when withdrawing from IRAs and 401(k)s, and how these can impact your Medicare premiums through the Income-Related Monthly Adjustment Amount (IRMAA). Learn about the benefits of Roth conversions and how Health Savings Accounts (HSAs) and Roth accounts can be powerful tools in reducing your tax burden. They also discuss the 'widow penalty' in tax brackets and the need for strategic planning, especially when it comes to Social Security and the real rate of medical expense inflation. This episode is packed with insights to help you secure your financial health.   Key Topics: Healthcare Expenses in Retirement Planning (02:25) Medicare Costs and Supplemental Insurance (04:36) Income-Related Monthly Adjustment Amount (IRMAA) (06:58) Medical Expenses Planning for Retirement and Tax Implications (13:09) Spouses of Different Ages Who Want to Retire Simultaneously (17:46) Inherited IRAs, Tax Brackets, and the Widow Penalty (18:38) Inflation Rates and Medical Expenses (21:56) Wrap-Up (24:18)   Resources: Request to lower an Income-Related Monthly Adjustment Amount (IRMAA) Take Back Retirement Episode 21: Simplifying Medicare: What's Important For You To Know with Susan Sloan Take Back Retirement Episode 62: What Women Need to Know About Longevity Take Back Retirement Episode 27: Health Savings Accounts (HSA's): What Women Need to Know       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

The Game On Girlfriend Podcast
215. How to Manage Your Money Before Divorce with Alison Hall

The Game On Girlfriend Podcast

Play Episode Listen Later Feb 13, 2024 28:10


If you are trying to figure out what you need to know about your financial situation before you make any big moves – from divorce to losing a career -- we're taking the first steps in today's episode.  Alison Hall is the founder of Change Agent Coaching for Women and co-founder of The Boldest Me, a personal development and empowerment brand for women affected by divorce. After successful corporate career spanning 25 years, she pivoted to entrepreneurship. Alison says women with bosses tend to think they won't be able to make the money they're making if they leave their situation. They might think they're not qualified enough.  “I truly believe that we all have the capacity to make as much money as you want or need,” says Alison. “If you can say to yourself, ‘Oh gosh, I can't,' then why can't you just flip it and say ‘I can,' and think of all the ways that you can do something?” Fear is limiting, and it takes over. I'm afraid I'm not going to make enough money. I'm afraid my kids aren't going to eat. So, you make decisions based on those limited beliefs. When you take all of those negative thoughts and just practice thinking about an equal, opposite, positive thing. Well, I'm a pretty smart person. I could probably figure it out. There's nothing in my way other than me, so I could probably get a better job. Maybe I could start a business doing what it is I love. It takes a lot of practice. As a certified divorce financial analyst and tax planner, Alison loves the strategy aspect of working with the numbers. Alison works only work with women because in the majority of divorces, women are the ones who are going to maintain the most responsibility for children and households, but who come out the worst in settlements, mainly for lack of knowledge. Alison says many of the women she works with don't know anything about their finances. They may pay the bills, but they don't know what's going on in the background. Very often they don't know what benefits their spouse has. They don't know their rights about those benefits. They don't know that the marital assets belong to everybody. “I wish more women would not give up, you know, rights to information. That they are equal parties,” says Alison. And it's not just divorce where this lack of knowledge can become a factor. Sometimes, your spouse might become incapacitated. If you have all the information yourself, then you can advocate for yourself. Our primary relationships and our businesses are so intertwined. Our romantic relationships can be a part of how we view ourselves in the world. Alison says the first step any woman should take is to pull their head out of the sand and acknowledge what you don't know about your finances.  Don't be afraid to know your numbers. Don't be afraid to know where things stand. Don't be afraid to look and find. Pick one thing and get a win. You don't have to start the goals too high at the start. Maybe the first day is finding all the credit cards.  Connect with Alison Hall: https://whitehalldivorcesolutions.com, or on LinkedIn: https://www.linkedin.com/in/alisonhall-coach-women/  Other GoG episodes you might want to check out: What Women Need to Know to Manage Their Money https://sarahwalton.com/money-management-women/  Do You Know Your Financial Personality https://sarahwalton.com/know-your-financial-personality/  Money Beliefs That Hold You Back from Making More https://sarahwalton.com/money-beliefs/  How to Talk About Money as a Family Unit https://sarahwalton.com/family-money-management-amanda-neely/  You can check out our podcast interviews on YouTube, too! http://bit.ly/YouTubeSWalton   Thank you so much for listening. I'm so honored that you're here and would be so grateful if you could leave a quick review on Apple Podcasts by clicking here, scrolling to the bottom and clicking “Write a review.” Then we'll get to inspire even more people! (If you're not sure how to leave a review, you can watch this quick tutorial.) #DivorceAndMoney #WomenAndFinance #MoneyManagement #FinancialPlanning #FinancialIndependence #PersonalFinance #MoneyAndMarriage #AskExpert #SalesCoach #IntuitiveBusinessCoach

Backstage @ Upstage
DID YOU KNOW LUNG CANCER'S A WOMEN'S DISEASE?

Backstage @ Upstage

Play Episode Listen Later Jan 10, 2024 37:15


What Women Need to Know About Lung Cancer Host: Hildy Grossman with Jordan Rich, co-host Guest: Narjust Duma Flores, MD Lung Cancer has a reputation of being a man's disease. Today this notion couldn't be further than the truth. Lung cancer is the number one cancer killer of women as well as men, taking more … Continue reading DID YOU KNOW LUNG CANCER'S A WOMEN'S DISEASE? →

Take Back Retirement
81: Answers to Our Most Common Questions

Take Back Retirement

Play Episode Listen Later Jan 1, 2024 33:54


“If you're growing at 8%, you're growing at 8%, no matter if you have a dollar or $10,000. And if you've got it spread over in five separate accounts, but it's all growing at the same rate, then you're making the same amount of money.”   Ever feel like you're wading through murky waters when it comes to retirement planning? You're not alone. Stephanie McCullough and Kevin Gaines of Sofia Financial and American Financial Management Group illuminate the path with their expertise, debunking pervasive myths that cloud the judgment of many investors.   They kick things off by setting the record straight on investment growth, cutting through the confusion surrounding account consolidation, and revealing the true engine of growth—percentage rates. Diversification is another victim of misunderstanding, and they're untangling the real meaning from the common misperception that more accounts always equals better diversity.   As the discussion wades deeper, Stephanie and Kevin tackle the intricacies of IRAs with precision. Did you know that your 401(k) doesn't barricade the door to IRA contributions? Our hosts share why tax deduction eligibility is a whole different ball game. Plus, they don't shy away from the tough stuff—like financial emergencies—guiding you through the maze of withdrawal rules to keep penalties at bay. The conversation then turns to market volatility and holding steady to your investment strategy. So buckle up and tune in; this episode is your financial GPS, navigating you away from common pitfalls and towards a more secure retirement.     Key Topics: Growth Rate of Money in One Account vs Multiple Accounts (01:23) Investment Accounts and Diversification (03:14) IRAs, Contributions, and Emergency Funds (07:47) IRA and 401(k) Clarification (12:25) Financial Options for Emergencies (13:04) Borrowing and Credit (17:47) Changing Investment Strategy Because of World Events and Headlines (21:05) Investment Strategies for Various Life Stages (24:19) Retirement Planning with Nuanced Investment Strategies (29:59)     Resources: Movie Clip: The new phonebook is here (The Jerk) Movie Clip: There is always… Threat (Men in Black) Tack Back Retirement Ep. 12: What Women Need to Know About IRA's, with Sarah Brenner Tack Back Retirement Ep. 44: Don't Try This at Home! Unique Situations Call for Unique Strategies Tack Back Retirement Ep. 64: What is Money Insurance? Tack Back Retirement Ep. 27: Health Savings Accounts (HSA's): What Women Need to Know       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

The Human Upgrade with Dave Asprey
Hack Your Love Life: Hormones & Happiness – John Gray : 1109

The Human Upgrade with Dave Asprey

Play Episode Listen Later Nov 21, 2023 105:04


I've been eagerly looking forward to this conversation with a dear friend and a true luminary in the realm of relationships and personal development, John Gray. for quite some time. You probably recognize his name as the author of the famous book, Men Are From Mars, Women Are From Venus. But what's especially exciting is how John has evolved his insights to address the changing dynamics between men and women in the modern world, as he highlighted in his 2020 book, Beyond Mars and Venus: Relationship Skills for Today's Complex World.Now, why is this episode a must-listen? Well, John isn't just a relationship expert; he's also a seasoned biohacker who understands the profound impact of our environment – including relationships – on our hormones, happiness, and dopamine levels. In essence, he's been biohacking before it even had a name. With decades of wisdom, he offers invaluable insights into navigating the complexities of male-female relationships in today's world.Delve into the fundamental differences between men and women, the importance of appreciation in relationships, what truly motivates men, and practical tips on boosting testosterone and managing emotions. We also explore how men and women process feelings differently, the art of setting boundaries, and the language of love as the language of hormones.Get ready for a masterclass in understanding the dynamics of modern relationships and how to create lasting happiness.(00:59) Understanding Fundamental Differences Between Men & Women(04:38) Do Men Exist To Make Women Happy?(06:32) Exploring What Drives & Motivates Men(11:09) How To Boost Testosterone & Navigate Emotions(19:14) Why Men Disconnect When Talking About Feelings(30:22) How Men Can Help Women Come Back Into Balance(39:17) Setting Boundaries & Working on Your Relationship(49:41) Advice for Women for How To Talk About Their Feelings With Their Partner(01:02:22) Why the Language of Love Is the Language of Hormones(01:05:48) What Women Need in a Relationship(01:13:07) The Defense Against Attacks on Your Reputation(01:17:49) Techniques for Processing Emotions(01:25:32) Thoughts on Estrogen Receptor Degraders(01:31:48) What Masturbation Does to Men vs. Women(01:37:42) Advice for Couples Not Having SexResourcesDave Asprey's NEW Book ‘Smarter Not Harder' is out now: https://daveasprey.com/books Website: marsvenus.comRead: Beyond Venus and Mars by John GrayInstagram: @johngraymarsvenus_officialLinkedIn: linkedin.com/in/marsvenusThe Human Upgrade is produced by Crate Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Take Back Retirement
78: The Essential Rules to Know When You Inherit an IRA

Take Back Retirement

Play Episode Listen Later Nov 15, 2023 33:21


“The account you inherit as far as the IRS is concerned, it's not your retirement account. You are just receiving the money from it. It's still the original owner's retirement account.”   Have you ever considered the complexities that come with inheriting retirement accounts? They can be a minefield of rules and regulations that, if not handled with care, can result in irreversible mistakes. Our hosts Stephanie McCullough and Kevin Gaines untangle these complex rules, shedding light on the importance of paying attention when dealing with inherited accounts. Because once that money is taken out, it doesn't go back in. They also look at how the rules change when the original contributor has started their required distributions.   Did you know that spouses have a unique privilege when inheriting retirement accounts? They can transfer the accounts into their own and take full ownership. But like everything else in life, there are rules to follow.   And then comes the all-important matter of tax considerations. From the repercussions of not emptying the account within ten years to the importance of naming your own beneficiaries, and the complications that arise when inheriting an inherited IRA - Stephanie and Kevin cover it all. That said, it's important to remember that each situation is unique and requires specific guidance.   Under the SECURE Act, there are now 3 kinds of retirement plan beneficiaries for determining post-death payouts after 2019:   1. Non-Designated Beneficiary (NDB) These are not people. Examples: Estate, charity or non-qualifying trust (non-look through trust)            2. Non-Eligible Designated Beneficiary (NEDB)  All designated beneficiaries who do not qualify as EDBs (see #3 below). Examples: grandchildren, older children, some look-through trusts   3. Eligible Designated Beneficiary (EDB) The SECURE Act exempts these beneficiaries from the 10-year rule. However, if the account owner dies before the RBD, an EDB can elect the 10-year rule. EDBs must be designated beneficiaries.   5 Classes of Eligible Designated Beneficiaries: Surviving spouses Minor children of the account owner, until age 21 - but not grandchildren Disabled individuals – under the strict IRS rules Chronically ill individuals Individuals not more than 10 years younger than the IRA owner. (Those older than the IRA owner also qualify.)   SECURE Act Videos Here     Key Topics: Inheriting an IRA or Another Type of Retirement Account (02:00) Unique Rules of Inherited Accounts (05:31) Inherited IRA Rules and Options for Spouses and Non-Spouses (10:26) IRA Inheritance Rules and RMDs (15:49) The 10-Year Rule (20:52) Inherited Retirement Accounts and Potential Pitfalls (30:34) Wrap-Up (31:00)       Resources: Take Back Retirements Episodes: 12: What Women Need to Know About IRA's, with Sarah Brenner 18: How Do We Prepare for the Worst? with Mary Beth Simón 20: Women + Roth IRA's – What Should You Be Aware Of? 40: What Women Need to Know About Income Tax 58: Secure Act 2.0: New Retirement Account Rules, Same Old Message!       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

The Flipping 50 Show
A Hormone Therapy Roadmap: What, When & Why 

The Flipping 50 Show

Play Episode Listen Later Nov 3, 2023 44:39


Have you wished there was a hormone therapy roadmap? Well, it's your lucky day. It's exactly what I hope this episode is for you. On the regular I am approached or meet with functional doctors who do hormone therapy for clients.  But this is a unique episode and I've crafted my questions hoping to answer yours: the ones you have and the ones you don't. My goal during this interview was not to let my own bias enter in but ask curious questions as if I was naive, haven't worked with functional doctors and clients and supported them as a liaison for what to ask, demand and when to get a second opinion. I've shared the difference between norms and optimal levels of labs, supported health coaches and trainers within our Flipping 50 Menopause Fitness Specialist training in understanding a hormone therapy intervention and how they can within scope of practice support clients. But today, I try to fly blind and look at the options, the facts, the science, and ask my guest to share just that too.  My Guest:  Daved Rosensweet MD is the Founder of The Institute of BioIdentical Medicine and The Menopause Method, as well as the author of three books on the subject including his latest "Happy Healthy Hormones". With over 30 years of experience specializing in andropause and menopause treatment, Dr. Rosensweet is an internationally known lecturer and presenter. Early in his career, he trained the first nurse practitioners in the United States and was in charge of health promotion for the State of New Mexico. Currently, Dr. Rosensweet spends the majority of his time as the Medical Director of The Institute of BioIdentical Medicine, where he trains medical practitioners to specialize in menopause and andropause medicine. Questions we answer in this episode:  Pros and Cons of: pills creams pellets shots  under tongue  patches I would love to know if this hormone therapy roadmap was helpful for you.  Connect with Dr. Rosensweet:  Website: https://www.brite.live On Social: Facebook: https://www.facebook.com/groups/1124278224398950,  Facebook: https://www.facebook.com/davedrosensweetmd,  Instagram: https://www.instagram.com/menopausedoctor/ Resources:  Download Dr. Rosensweet's book “Happy Healthy Hormones” for free: https://iobim.org/book/ Book: Estrogen Matters https://www.amazon.com/Estrogen-Matters-Hormones-Menopause-Well-Being/dp/0316481203 5 Day Flip: https://www.flippingfifty.com/5dayflip Other Episodes You Might Like:  Which Hormones Matter Most in Meno(pause) https://www.flippingfifty.com/which-hormones/ My Thyroid and Adrenals: Navigating Midlife Hormones https://www.flippingfifty.com/my-thyroid/ What Women Need to Know about Hormone Replacement Therapy https://www.flippingfifty.com/?s=hormone+therapy

HomeMatters
Ep. 71 - What Men Need to Know About Intimacy and Sex

HomeMatters

Play Episode Listen Later Nov 1, 2023 22:52


Join this candid conversation between Eric and Gena about sex and intimacy and about what men might need to know about their wives. Gena is honest and straightforward in revealing the heart of a woman, a woman's intimate needs and sexual desires that may be overlooked or unknown to her husband. You don't want to miss this episode! And–in case you're wondering—YES—the next episode will be What Women Need to Know About Intimacy and Sex!

Take Back Retirement
77: How to Decide Whether to Go Back to Work After Divorce

Take Back Retirement

Play Episode Listen Later Oct 31, 2023 33:51


“The thing you've got to start with is what does life cost you? What does it cost to be you in this world?”   Listen in as our hosts Stephanie McCullough and Kevin Gaines tackle some big questions in this episode of Take Back Retirement, like "Do I need to go back to work after retirement or a divorce?" and "What kind of financial considerations should I have?" They walk through how to evaluate your life costs, not just the regular monthly expenses, but those that come up less frequently, like holidays, vacations, and any extra costs that come with having children or pets. They also discuss how to handle assets after a divorce, the different types of assets, tax implications, and the importance of planning for the future.   Stephanie and Kevin examine figuring out how much you can safely withdraw from your investments or savings if you need to supplement your income. They shed light on the 4% rule, which suggests that you should not withdraw more than 4% of the balance of your account each year. Plus, they discuss possible ways to reduce expenses and the importance of having a plan ahead of time. This episode is packed with valuable insights and practical advice, don't miss out!     Key Topics: Intro: How to Decide Whether to Go Back to Work After Divorce (02:10) It's Not Solely a Financial Question (03:32) How Much Does Life Cost You? Looking at Spending (06:56) Looking at the Income Side of the Equation (11:42) Retirement Savings and Investment Spending Strategies (17:46) Making That Money…Pulling in Some Income (25:18) Wrap-Up (32:48)     Resources: Organizations that support women returning to the workforce: https://betterbalancelife.com/ https://www.irelaunch.com/ https://womenbacktowork.org/ https://theriveter.co/voice/best-websites-for-moms-reentering-workforce/ Related Take Back Retirement Episodes: How Do We Reduce Financial Anxiety? with Lindsay Bryan-Podvin, Financial Therapist You Want to Retire Before Age 65? Here's What You Need to Know Retire on Your Own Terms – Or Don't! What Women Need to Know About IRA's, with Sarah Brenner Women + Roth IRA's – What Should You Be Aware Of?     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
73: Back to Basics: Essential First Steps to Taking Control of Your Finances

Take Back Retirement

Play Episode Listen Later Aug 31, 2023 26:53


“It's not about deprivation. It's about balance. It's about taking care of your today self and your future self.”   Join our hosts, Stephanie McCullough of Sofia Financial and Kevin Gaines of American Financial Management Group, as they simplify the world of financial planning, starting with understanding cash flow. They tackle how to monitor the inflow and outflow of your money, without yet worrying about its source or where it's going. Learn the importance of observing more than one month of data, as things can fluctuate from month to month.   Stephanie and Kevin further explore the significance of setting up an emergency fund and how much cash you should ideally have available. Listen as they explain why it's essential to have a cash cushion to cover unexpected expenses. They provide insights on how to calculate the amount you should have in your emergency fund and why it may need to be increased if your future seems uncertain. Also, discover the differences between cash and investments, and why cash is best for emergencies.   They discuss the different retirement savings and investing options available, such as 401(k)s, IRAs, and target date funds. Gain knowledge on the benefits of each, from lower costs to matching options and pre-tax savings. They also touch on setting up a regular investment account with no limits or restrictions. Their ultimate aim is to emphasize the importance of establishing an investment plan that suits you and doesn't cause unnecessary stress. This episode is your guide to making informed and confident decisions about your financial future.     Key Topics: Cash and Cash Flow (04:10) Looking at the Trends (06:41) How Much Cash Should I Have and Where to Put It? (09:42) How to Invest More Money (20:17) Don't Get Intimidated by the 1099 Form (22:48) Savings vs. Investment (23:39) Wrap-Up (25:20)     Resources: Take Back Retirement Episode 29: How Much Cash Should I Have and Where Should I Be Putting It? Take Back Retirement Episode 12: What Women Need to Know About IRA's, with Sarah Brenner Take Back Retirement Episode 45: What Women Need to Know about Target Date Funds Put One Foot in Front of the Other - Santa Clause is Coming to Town (skit) HEE HAW Gloom Despair And Agony On Me | Classic Her Haw TV (skit)     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Fitness Marketing Mastery
What Trainers Need to Know About Hormone Replacement Therapy

Fitness Marketing Mastery

Play Episode Listen Later Aug 12, 2023 14:34


In this behind-the-scenes quick episode with Dr Terri DeNeui we discuss what trainers need to know about hormone replacement therapy. We open up about how to recognize a woman is in menopause, and how you can help be a part of a collective team supporting her. You spend more time than any professional with your clients so optimizing your value is all tied up in this episode.  If you're not yet a Flipping 50 Menopause Fitness Specialist, on your way to increasing your clients, your revenue, and your freedom, we'll link to that in the show notes too. My Guest: Terri DeNeui, DNP, ACNP, APRN-BC is the founder of EVEXIAS Health Solutions and creator of the EvexiPEL method. She leads the EVEXIAS Medical Advisory Board, hand-selecting leading experts from around the globe to support the education and knowledge resources that provide the opportunity to experience a whole new way to practice medicine that is truly transformational for patients and practitioners. Dr. Terri DeNeui is a board-certified nurse practitioner, nationally renowned speaker, author, and entrepreneur. She holds advanced certifications in Hormone Replacement Therapy, Preventive Wellness Medicine, and Functional Medicine. Her career in medicine began as a hospitalist in emergency medicine, where Dr. DeNeui quickly realized that day in and day out, the focus was on disease management instead of disease prevention. She felt saddened and frustrated—she wanted to do more for patient care and for that, she had to know more. This was the catalyst for what has become her life's work. She began to pursue extensive education in hormone optimization, integrative health, preventive care, and alternative medicine. Dr. DeNeui founded Hormonal Health & Wellness in Southlake, Texas (now EVEXIAS Medical Centers) in 2008 as the first step in her new pursuit. In her practice, Dr. DeNeui strives to help men and women find optimal health. Questions We Answer in This Episode: How can health coaches and Menopause Fitness Specialists support their clients and suggest best questions to ask when seeking a functional doctor?  What is the symptom you most commonly hear about first?  How can trainers and health coaches support women with regard to finding the right resources in physicians? Resources: Fitness and Health Coaches Scorecard: https://www.fitnessmarketingmastery.com/scorecard Copywriting Course: https://www.fitnessmarketingmastery.com/copywriting-course Other Episodes You May Like: 3 Ways to Coach Menopause Clients Out of Mistakes:  https://www.fitnessmarketingmastery.com/coach-menopause-clients/ What Women Need to Know about Hormone Replacement Therapy: https://www.flippingfifty.com/what-to-know-about-hrt/

Take Back Retirement
69: New Survey Illuminates Retirement Confidence and Planning by Gender and Generation

Take Back Retirement

Play Episode Listen Later Jul 1, 2023 27:44


What if you discovered that the typical American is on track to have only 78% of the income needed for retirement expenses? Brace yourself, because that's exactly what our hosts Stephanie McCullough and Kevin Gaines are about to unpack.   Talking about retirement planning can be daunting, but it's never too late to start. Our hosts share some fascinating findings from a recent survey, like men's overconfidence in investing, despite women scoring higher in financial literacy! They also reveal the intriguing confidence levels across different generations. Whether you're a baby boomer, a Gen-Xer, or an older millennial, you'll find insights to help you plan better and invest smarter.   Stick around as our hosts dive into the various approaches to retirement planning. They're going to explore everything from catch-up provisions and reducing expenses to planning for a long life. Plus, the importance of seeking professional advice when investing for retirement cannot be overstated. So buckle up as Stephanie and Kevin venture through these crucial topics, equipping you with the knowledge and motivation required to secure your retirement with confidence. Get ready to redefine retirement on your terms!       Key Topics: The Importance of Knowing Your Financial Situation (03:09) Don't Get Hung Up on Perfection (06:12) Men Are More Confident Than Women About Investing Despite Women's Higher Financial Literacy (08:47) How Optimistic Are You About The Future and Your Retirement? (11:49) Planning Creates Power and Leads to Purpose (17:29) Making Money in Retirement (21:17) Investing More Conservatively for Retirement (25:09)       Resources: Take Back Retirement Episode 62: What Women Need to Know About Longevity Fidelity Research: America's Retirement Preparedness Level Declines Amid Continued Volatility       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

The Catholic Current
Catholic Response to Crisis Pregnancy (Ally Laake) 5/18/23

The Catholic Current

Play Episode Listen Later May 18, 2023 52:06


We welcome Ally Laake of Mater Filius Queen City to discuss a comprehensive response to unplanned and crisis pregnancy. What does Mater Filius do differently, and how can we best assist mothers in need?   Cincinnati, Ohio | Mater Filius About Us | Mater Filius Queen City All Mater Filius Locations | Mexico, USA & Latin America What weapons are you using to fight abortion? Waking up From the Bad Dream That We Are Unloved and Alone Who Has the Answer to What Women Need? Being Pro Life - Mater Filius The Men's March Read Fr. McTeigue's Written Works! Visit Fr. McTeigue's Website | Herald of the Gospel Questions? Comments? Feedback? Ask Father!

Take Back Retirement
65: Achieving Longevity and Financial Stability: A Holistic Approach with Dr. Laura DeCesaris

Take Back Retirement

Play Episode Listen Later Apr 28, 2023 45:29


What if the secret to a long, healthy life is not expensive programs, supplements or equipment, but actually the free actions you take every day? In this episode, functional medicine-trained health strategist Dr. Laura DeCesaris joins the podcast to explore the importance of prioritizing health span over lifespan.   Stephanie, Kevin, and Laura explore essential health habits that contribute to longevity, such as getting outside daily, having a supportive community, managing stress, and eating a variety of foods, as well as the challenges people face in prioritizing these habits and the deceptive nature of fad diets and quick-fix solutions. Shifting our mindset towards long-term health and wellness habits is crucial, and better education around basic health and nutrition is necessary.   Most importantly, they also discuss the intersection of health and finance, emphasizing the value of investing in preventative measures and education about one's health. Tune in for actionable and realistic advice on improving your health and longevity, and how it parallels with financial planning for a fulfilling retirement.     Key Topics: Redefining Longevity and Health in Retirement (1:57) Mindset Shifts for Healthy Habits (8:02) Healthy Aging & Health Advice Red Flags (15:36) The Intersection of Health and Finance (24:52) Longevity Through Healthy Habits and Education (38:08) Stephanie and Kevin's Wrap-up (41:11)     Resources: @dr.lauradecesaris on Instagram and all the social media platforms (*except Twitter) Dr. Laura Decesaris' website Take Back Retirement Episode 62: What Women Need to Know About Longevity Monty Python Galaxy Song       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
62: What Women Need to Know About Longevity

Take Back Retirement

Play Episode Listen Later Mar 15, 2023 34:22


In financial planning, the big question that we're trying to answer is how to put a client's resources to work in a way that gives them the best chance to meet their goals—their financial wants and needs—for the rest of their lives.   To accomplish this, there are a lot of factors we have to guess at: How much will life cost them? How about inflation? What will happen to investment markets? What will the client want for themselves 20-30 years from now? One of the biggest unknowns, which impacts every other factor, is this: How many years does my client have left to live?   Of course, we'll never know that number. What we can try to determine are the risks that our clients may face the longer they live, and by extension, create an action plan to build them the longest runway of wealth possible, protecting them for the years ahead.   Listen in as Stephanie and Kevin lay out the most important of these action steps, including maintaining your physical and mental health and relationships, creating additional sources of income, determining the best time to claim your Social Security, and covering your long-term care expenses.   Key Topics: “What are the risks that our clients face?” (2:57) The four Ls of retirement (6:17) Action steps to have enough in retirement (10:52) Looking after your health + Addressing the loneliness issue (15:54) Getting creative with your income sources (22:56) When to claim Social Security (25:18) Diversifying your assets by the risks they're designed to address (28:11) Long-term care expenses (31:01) “What can I do today that my future self will thank me for?” (32:10)   Resources: The Harvard Study of Adult Development Financial Regret at Older Ages and Longevity Awareness Living to 100 life expectancy calculator Take Back Retirement Episode 61: Pre-Plan for a Caregiving Needs with Special Guest Mim Senft Take Back Retirement Episode 15: What Women Need to Know About Social Security Take Back Retirement Episode 60: What Women Need to Know About Annuities Take Back Retirement Episode 17: What Women Need to Know About Long-term Care Take Back Retirement Episode 14: What Women Need to Know About Caregiving and Elder Law with Cathy Sikorski       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.

Take Back Retirement
61: Pre-Plan for a Caregiving Needs with Special Guest Mim Senft

Take Back Retirement

Play Episode Listen Later Feb 28, 2023 49:33


Today, we sit down with Mim Senft, author, keynote speaker, and facilitator for national conferences. She is the Co-Founder and Managing Director at Motivity Care, a company that takes the complexity out of caregiving management by providing personalized “chief of staff” support.   Mim has over 25 years of corporate experience in project management, benefits design, and health and wellbeing program strategy and implementation. She holds certifications in group benefits, worksite wellness and property casualty insurance.   Listen in as Mim shares her journey in the elder care space⁠ or, as she calls it, the “silver economy.” She dives deep into the critical, yet commonly-overlooked steps needed to prepare for an individual's caregiving needs⁠—and how Motivity Care streamlines the entire process.   Mim discusses the huge amounts of time and money lost by family members who unexpectedly have to take on the role of caregiver—and it's always unexpected! She speaks on the value of a reciprocal “care partner” relationship and how anyone can begin laying the foundation for their own caregiving needs right now!     Key Topics: Mim's background in and passion for the elder care space (2:45) The impact a caregiver can have on an individual (4:39) “Plan when you can, not when you have to” (10:15) The Motivity Care story (13:09) How to speak with family members who are reluctant to have these conversations (15:56) Why having your own concierge manager can literally be life-saving (18:14) A Motivity success story (22:42) The importance of having a “care partner” (33:30) How to start pre-planning today (38:47) Stephanie and Kevin's thoughts on today's conversation (43:30)     Resources: Learn more about Motivity Care at www.motivitycare.com Motivity Care on LinkedIn Take Back Retirement Episode 14: What Women Need to Know About Caregiving and Elder Law with Cathy Sikorski     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
60: What Women Need to Know About Annuities

Take Back Retirement

Play Episode Listen Later Feb 15, 2023 32:40


Today, we talk all about annuities. Yet another powerful tool in your toolbox for taking control of your retirement, you can think of an annuity as a way to “buy” your own pension.   But it's just that: a tool. Like any other financial vehicle, there are pros, cons, and tradeoffs to think about.   An annuity is a contract issued mostly from insurance companies that provides a guaranteed income stream. Mainly, annuities are used for retirement.   Some people look at annuities as the best thing since sliced bread. For others, annuities are a total time and money-sink to even consider. But for most folks, we'd wager the reality is somewhere in between.   Listen in as Stephanie and Kevin lay out the must-knows of the complicated topic of annuities, and suggest some questions to ask oneself when it comes to making use of a specific annuity for your retirement plan.   Key Topics: “What the heck is an annuity?” (3:30) Why you need to wait until you're 59½ before taking money out of an annuity (4:38) How annuities are taxed (5:42) Taking advantage of the lifetime income option (8:32) Other income options to consider (11:46) The cons of annuities and how best to work around them (15:24) The Four Ls of our needs in retirement (16:40) Deciphering important annuity jargon (17:48) Fitting an annuity into your retirement plan (20:17) Questions to ask yourself (23:00)   Resources: Take Back Retirement Episode 12: What Women Need to Know About IRA's, with Sarah Brenner Take Back Retirement Episode 20: Women + Roth IRA's – What Should You Be Aware Of? Take Back Retirement Episode 3: Turning Your Retirement Savings to Retirement Income Take Back Retirement Episode 15: What Women Need to Know About Social Security       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

National Women's Fitness Academy Podcast
Self-Pleasure: How To Get Comfortable With Yourself - Melissa Vranjes

National Women's Fitness Academy Podcast

Play Episode Listen Later Feb 6, 2023 53:25


Internationally Certified Holistic Sex Coach Melissa Vranjes based in New Zealand, is on a missing in teaching women how to feel liberated in their sex lives, fulfilled in their relationships and confident in the bedroom.There is a deep desire so many women share, is to let go of shame, feel alive in their bodies and connect to their inherent power. The women speak about how to support, educate and empower you women (and men) as much as possible. If you're ready to learn about the power of your sexuality and sensuality, this episode is for you!Some topics that were spoken about:Exquisite Approaches To Self-pleasure What Does “Sexual Success” Mean To You?What Women Need to Know About Pain During SexShould Women Say Yes Or No to Casual Sex Or Hookups?How To Approach Conversations About Sex With Your PartnerPlease leave us a review to let us know what you think of the podcast.Melissa's Instagram: https://www.instagram.com/melissavranjes/https://melissavranjes.com/Sigi's Instagram: https://www.instagram.com/sigfisher/Follow us on Instagram: https://www.instagram.com/womensfitnessacademy_aus/Watch our episodes on Youtube: https://www.youtube.com/channel/UC6sMl76TpWV9sE5kchn6EgQ

Take Back Retirement
58: Secure Act 2.0

Take Back Retirement

Play Episode Listen Later Jan 15, 2023 36:23


Believe it or not, the IRS wants you to save for retirement. To that end, they're always trying to come up with new tax breaks—not to mention very specific conditions you need to meet in order to enjoy those tax breaks!   This brings us to the topic of today's conversation: the introduction of Secure Act 2.0, a new law ushering in changes to rules and parameters related to retirement accounts.   Listen in as Stephanie and Kevin discuss the highlights of this Secure Act 2.0, offering insights on how you can continue saving for your dream retirement in light of this new law!   Key Topics: How the government incentivizes you to put money away for your future (1:58) About Secure Act 2.0 (3:21) An increase in access to Roth accounts (4:20) Required minimum distributions around retirement plans (6:52) Inherited/beneficiary IRAs (11:15) Secure Act 2.0 and RMD penalties (14:51) Catch-up contributions (20:16) 529 plans (college savings plans) and Roth IRAs (26:50) Questions to ask yourself to make better savings/investment-related decisions (31:45)   Resources: Take Back Retirement ep. 27: Health Savings Accounts (HSA's): What Women Need to Know The 10 Most Important Things Secure 2.0 Will Do for Your Retirement, in Plain English (article) Ed Slott: Pay Attention! Secure 2.0 Dates Are ‘All Over the Place' (Article)     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
57: What Women Need to Know if there's a Recession

Take Back Retirement

Play Episode Listen Later Dec 30, 2022 34:32


Recession.   We've seen the headlines, in all their dramatic glory.   Today's episode isn't about defining “recession” and all its complexities (a topic on which no one ever seems to agree!). Instead, it's about the reality that recessions are simply a part of the economic cycle and, more importantly, that it's something everyone has to deal with when it does come.   We have no control over the economy, and that's okay. What we can—and must—control is our economy. Stephanie and Kevin share how we can do just that, from dealing with scary stock market fluctuations, to having a Plan B in case you lose your job (or your spouse loses theirs), to creating more financial flexibility and tapping into your assets, and more!   Key Topics: “What the heck is a ‘recession'?” (1:50) The importance of having a long-term view of the stock market (5:34) Losing your job during a recession (10:21) Increasing your flexibility (12:49) Your Plan B (17:19) Health insurance (19:12) Tapping into your assets (20:53) Loans from retirement plans (27:04) Health savings accounts (28:59) Life insurance and social security benefits (30:04) Our closing thoughts (31:46)   Resources: Take Back Retirement Episode 20: Women + Roth IRA's – What Should You Be Aware Of? Take Back Retirement Episode 21: Simplifying Medicare: What's Important For You To Know with Susan Sloan Take Back Retirement Episode 29: How Much Cash Should I Have and Where Should I Be Putting It? Take Back Retirement Episode 42: What Women Need to Know When the Stock Market Goes Down Take Back Retirement Episode 55: Lessons from the Career of Janet Yellen with Jon Hilsenrath, Author       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Well & Worthy Life Podcast
Common Questions About Intermittent Fasting Answered

Well & Worthy Life Podcast

Play Episode Listen Later Dec 13, 2022 48:10


Episode Overview Cynthia Thurlow is on answering questions about intermittent fasting from the Well & Worthy Life community. Most of us at this point have heard about intermittent fasting, and may even be incorporating it into our lifestyle, but sometimes we have inaccurate information. Questions About Intermittent Fasting Answered The biggest mistakes women are making with intermittent fasting? What breaks a fast? Could your morning coffee be breaking your fast? The truth about 24-hour+ fasting, is it helpful?  What is metabolic flexibility? Is eating or grazing during our eating window a good approach? Why is a sleep routine so important to weight loss? Why creatine is helpful for women in perimenopause and menopause.   Actions Items Dive deeper to answer questions about intermittent fasting with Cynthia's book, Intermittent Fasting Transformation Reflect on anything you may need to eliminate from your diet in middle age to help support your health.   Key Moments in the Conversation [6:02] If you're having fatty coffees, that's technically going to break your fast. [13:53] 78% of the population is metabolically inflexible. [20:45] Starting your meal with bread is probably the worst decision you can do. [25:29] Figuring out what works for you in middle age is sometimes an elimination of things that you like. [33:09] We lose magnesium during stress, we have magnesium-depleted soil, so I don't care if you eat all organic, you are not getting enough magnesium in your life. [38:52] The first thing that happened when I started taking creatine, I was able to increase my weights at the gym.  It's really important to understand that strength training helps maintain muscles which maintains insulin sensitivity, which maintains metabolic flexibility.   More with Cynthia Tune into her podcast, Everyday Wellness Keep up with what she's doing on her website Follow her on Instagram to have more questions about intermittent fasting answered. Go back and listen to our previous episode, What Women Need to Know About Intermittent Fasting During Perimenopause   Join My Programs Balance Eating Method Balance Program   

Take Back Retirement
54: Why Women Need to Know About Divorce (special series wrap-up)

Take Back Retirement

Play Episode Listen Later Nov 15, 2022 11:03


In this quick bonus episode, Stephanie and Kevin wrap up their multi-episode series on why women need to know about divorce, being that divorce is a very common topic that they see with their clients.   Divorce is a big financial issue that most people don't plan for, making it all the more difficult and scary to navigate. That's why Stephanie and Kevin created this lineup of professionals to touch on different areas around divorce and finances. These professionals save people money by providing mediation so people don't have to go straight to the “robes and gavels.”   Check out the video version of this episode!   Check out all six episodes in the series: 48: Why Women Need to Know About Divorce (a special series) 49: What Women Need to Know About Divorce from a Forensic Accountant with Tracy Coenen 50: What Women Need to Know About Divorce from a Divorce Coach with Sheila Brennan 51: What Women Need to Know About Divorce from a Mediator, with Ellen Morfei 52: What Women Need to Know About Divorce from an Estate Planning Attorney with Rebecca Sallen 53: She Did It! Real Divorce Stories with Monica Scudieri       If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com    You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
45: What Women Need to Know about Target Date Funds

Take Back Retirement

Play Episode Listen Later Jul 31, 2022 23:00


Today, Stephanie and Kevin explore the pros and cons of target date funds. They open in returning to an idea that's fundamental to their podcast and their practice: When it comes to retirement, one size does not fit all. And though, in an ideal world, everyone would have the time, energy, and interest to properly diversify their investments, in reality, most people don't. Target date funds are named as such based on the approximate date that an investor plans to start withdrawing money, and as the date approaches, the portfolio manager rebalances the fund to become more conservative.    Kevin explains how they ‘de-risk' your allocation by adjusting investments according to your target retirement date. Stephanie explains how these types of funds are used not only for retirement, but also for accounts like 529s, which are advantaged college saving plans. So, continuing with that example, as the date of writing the first check for college approached, the investments would become more conservative. In the time farther from that date, the investor is in the ‘accumulation phase,' meaning with each paycheck, money is being added, and they don't have to worry as much about their investments.   They address the problems that target date funds present, like the inability investors have to differentiate short-term money from long-term money when they are pulling funds out. When you begin pulling money out, they recommend, it's important to segregate your money in those categories.    Stephanie then introduces glide paths, which is the formula defining the asset allocation mix of a target date fund, and how target date funds associated with different years aren't all that different, they're just on different points of the glide path. They close reminding listeners that target date funds are not “fix it and forget it forever.” And, again, that one size does not fit all.   Key Topics: Introduction (00:39) One size doesn't fit all (01:22) Target date funds (02:29) How they save the investor time and energy (03:14) De-risking allocation (05:54) Enrollment-based options (08:16) Accumulation phase (09:12) Problems with target date funds (11:10) Options within choosing a target date fund (14:58) Glide paths (18:33)   Resources: Take Back Retirement Episode 15: What Women Need to Know About Social Security     If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com    You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
44: Don't Try This at Home! Unique Situations Call for Unique Strategies

Take Back Retirement

Play Episode Listen Later Jul 17, 2022 33:26


How exactly do you measure the value of financial planning? It's a tough concept to grasp for many, because it just seems so… intangible. Most people think that it's all about investment management. That's certainly a big slice out of financial planning, but it ain't the whole pie!   As Kevin reminds us, great financial planners help their clients get crystal clear on their life path by helping them make wiser money-related decisions.   Listen in as our hosts describe not only the technical side of their role as advisers, but also the art of financial planning. Because every person's situation is unique, there is no such thing as one-size-fits-all advice.   But there are common issues that men and women considering retirement have to deal with. Stephanie and Kevin do a deep dive into four unique planning situations to illustrate the value of real financial advice!   Key Topics: What “money stuff” will your financial planner help you with? (2:00) Example 1: A women entrepreneur in her 40s who is undercharging for her services (5:28) Example 2: A single man in his 50s who is feeling underappreciated at work (9:12) Example 3: A woman in her early 60s who's job came to an end a little too early (15:57) Example 4: A woman in her 80s near the end of her life (Deathbed Roth Conversion) (20:31) The value of real financial planning (30:32)   Resources: Take Back Retirement Episode 20: Women + Roth IRA's – What Should You Be Aware Of? Take Back Retirement 33: What Women Need to Know about the Estate and Gift Tax System Clip from Misery: I'm You Number One Fan Clip from Dukes of Hazzard: Johnny Paycheck at The Boar's Nest Clip from Johnny Paycheck - Take This Job and Shove It Clip from Apollo 13: Fit This Into the Hole for This using Nothing but that…   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com    You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Family Features Podcast
Episode 271 - A Conversation on What Women Need for Great Intimacy with Debbie Elzea - 0522

Family Features Podcast

Play Episode Listen Later May 30, 2022 44:11


Episode 271 - A Conversation on What Women Need for Great Intimacy with Debbie Elzea - 0522   Youtube Link:     https://youtu.be/Q7KHd0W-QM4     Debbie Elzea  ABOUT : Would you love more passion, connection and playfulness in your relationship? I'm a romantic, and my passion is helping you shed your sexual frustration and create your bliss. I used the online name “Rational Romantic” when I met my beloved husband, because I strongly believe that intimacy and sensuality are natural and desirable. That said, female sexual pleasure can be complex, a learned skill, an art and a science, and if yours is a source of frustration, you may simply need a knowledgeable, compassionate guide to give you support and permission to unleash your feminine energy, and achieve your goals, while having empowering fun. I'm a former attorney and Colorado registered psychotherapist, who has also studied life and couples coaching, as well as sacred and embodied sex coaching methodologies. I'm inspired by my own experiences growing up in a sex-shaming culture, and enduring a long sexless marriage before creating life-changing intimacy. I help women transform their relationships with their bodies, selves, spirits and partners… . Its time to get unstuck, get out of your busy mind and into your pleasure, and be a beloved, cherished woman!     GO TO:   Invitation to free, live monthly masterclass on various topics https://www.moreintimacy.net/contact6   and BOOK a complimentary heart to heart call: https://www.moreintimacy.net/book-online 

Take Back Retirement
40: What Women Need to Know About Income Tax

Take Back Retirement

Play Episode Listen Later Apr 30, 2022 39:38


In episode 33, Stephanie and Kevin gave us a broad overview of the estate and gift tax system. Now that we've reached the tail-end of tax season, our hosts sit down to do a timely deep dive on what women need to know about income tax—a subject that, unfortunately, isn't as simple as all of us would love to believe it is.   While state taxes are obviously important to consider when planning out your strategy, in this conversation, Stephanie and Kevin focus primarily on federal income taxes since these are the rates we're all faced with year after year.   Today's discussion centers around how the federal government aims to incentivize certain behaviors from citizens via the tax code, and how our tax bracket dictates the types of choices we need to consider when it comes to all of our major financial decisions.   Key Topics: “How do taxes and financial planning come together?” (2:44) Our ever-changing federal tax rates (6:31) Why being at the 32% tax bracket doesn't actually mean you have to pay 32% of your income in taxes (12:38) “What the heck is a ‘deduction'?” (16:13) How your tax rate impacts what you can do with your retirement savings vehicles (20:50) Required minimum distributions (26:56) The pitfalls of planning too well (29:55) What happens to your wealth when you pass away, depending on your tax bracket (34:05) Why a health savings account (HSA) is the perfect savings vehicle (35:31)   Resources: Take Back Retirement Episode 33: What Women Need to Know about the Estate and Gift Tax System Take Back Retirement Episode 12: What Women Need to Know About IRA's, With Sarah Brenner Take Back Retirement Episode 20: Women + Roth IRA's - What Should You Be Aware Of? Take Back Retirement Episode 22: Why You Spend The Way That You Do With Maggie Klokkenga Take Back Retirement Episode 27: Health Savings Accounts (HSA's): What Women Need to Know Take Back Retirement Episode 29: How Much Cash Should I Have and Where Should I Be Putting It?   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com    You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Daily Inspiration with Gelly
Are you too vulnerable?

Daily Inspiration with Gelly

Play Episode Listen Later Feb 28, 2022 12:44


Part 2: What Women Need to Know!

Take Back Retirement
31: What the Heck is a Trust, and Why Might I Need One?

Take Back Retirement

Play Episode Listen Later Dec 16, 2021 47:59


Trusts.   What the heck are they and why might it be a good idea for you to have one?   Most people believe that trusts are this elusive thing reserved for the uber-wealthy…   …or have only heard of it as being a sort of plot device in a movie or murder mystery.   Joining us today is attorney Shannon Evans, a recognized expert in the area of trusts and estate planning. She practices out of Las Vegas and is a frequent speaker on the conference circuit.   With so much confusion around trusts, Shannon is a refreshing presence that gets to the heart of the matter real quick. She demonstrates that trusts are a lot more pedestrian—and a lot more useful—than most would think.   Key Topics: So… What is a trust, exactly? (3:27) Who should have a trust? (8:06) What is an “irrevocable trust”? (14:39) What you should take into consideration if someone asks you to be a trustee. (18:40) In which state should you set up your trust? (22:48) Why should you NOT have IRAs in trusts? (25:33) Who is the fiduciary of a trust? (29:31) Updating beneficiaries (33:51) Stephanie and Kevin's closing thoughts (40:49)   Resources Mentioned: Take Back Retirement Episode 14: What Women Need to Know About Caregiving and Elder Law with Cathy Sikorski Evans & Associates   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com    You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
30: Retirement Savings Options for Self Employed Women

Take Back Retirement

Play Episode Listen Later Nov 23, 2021 34:57


You did it. You made the leap.   You left behind that corporate 9-to-5, the micromanaging boss, the freeloading coworker...   Now, you've started your own thing. You have endless potential. The world is your oyster. You can do what you've always dreamed of.   It's a dream many of us are striving for. But, it's easy to forget that we still should be saving for retirement. As a self-employed person or a business owner, how do we pick the right retirement plan to set ourselves up for success?   Listen in as Stephanie and Kevin shine a torch to guide us down the exciting but often muddy path to retirement by speaking on how to choose between the different retirement savings options available.   Key Topics: “SEP-IRAs still may be the best option for you, but…” (2:37) How do you save for retirement on a tax-favored basis if you're self-employed? (2:50) How to decide on the best plan or account option for you. (9:25) The traditional and Roth IRA. (13:58) The SEP-IRA. (20:10) The SIMPLE IRA. (24:11) How to save “gobs and gobs of money” with a pension plan. (28:35) Stephanie and Kevin's closing thoughts. (30:35)   Resources Mentioned: IRS Publication 560 https://www.irs.gov/retirement-plans/retirement-plans-for-small-entities-and-self-employed          IRS landing page for Small Business retirement plans https://www.irs.gov/pub/irs-tege/rollover_chart.pdf        Rollover Chart Take Back Retirement Episode: 12: What Women Need to Know About IRA's, with Sarah Brenner Take Back Retirement Episode: 20: Women + Roth IRA's - What Should You Be Aware Of?   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com    You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
29: How Much Cash Should I Have and Where Should I Be Putting It?

Take Back Retirement

Play Episode Listen Later Oct 30, 2021 32:39


“How much money should I have in the bank?”   It's a question that Stephanie and Kevin hear on a very regular basis.   No doubt about it: it's important to have cash on hand; but, with a well-thought-out financial plan, you can really start to make cash work for you.   Listen in as Stephanie and Kevin invite listeners to sort out the purpose of their dollars to know where they should be going. They delve into the question of liquidity and the actual level of accessibility of different cash vehicles, from your bank checking account to your Venmo wallet.   After explaining the characteristics of cash and where to keep it, they talk about how much one should have in cash, and how to invest in your financial future if you happen to have more than enough cash.   Key Topics: The job of money. (1:41) What exactly does “cash” mean and where should you put it? (3:32) The difference between saving and investing. (5:56) Different places in which you can hold cash. (08:41) Why your line of credit doesn't count as part of your cash. (11:28) Three factors to take note of in order to figure out how much cash you need. (12:58) “Cash gives you flexibility, and you want flexibility when you're not sure.” (16:50) Have more cash on hand than you need right now? What do you do with it? (20:35) How to invest without tax breaks. (24:59) Why Stephanie is a big fan of cash. (28:51)   Resources Mentioned: Take Back Retirement Episode 20: Women + Roth IRA's - What Should You Be Aware Of? (https://bit.ly/3Bpd1Zz) Take Back Retirement Episode 27: Health Savings Accounts (HSA's): What Women Need to Know (https://bit.ly/3vX0Bap)   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Define the Narrative
Episode 6: Make Him Yours with Mark Rosenfeld, Part 1

Define the Narrative

Play Episode Listen Later Oct 29, 2021 21:49


:30 The Biggest Struggles Women Have In Modern Dating3:33 Modern Dating12:34 What Women Need to Understand About Men12:48 Men's Purpose14:26 Seek To Understand15:36 Finding The Perfect Man is Like Finding That Great Pair of Shoes17:49 Define The Narrative

Fempower Health
Progesterone vs. Estrogen | Dr. Jerilynn Prior

Fempower Health

Play Episode Listen Later Oct 25, 2021 33:05


Until recently, all we ever heard about was the power of estrogen (good or bad).  We now know both are incredibly critical.  Dr. Jerilynn Prior, of the Centre for Menstrual Cycle and Ovulation Research (CeMCOR), is a Professor of Endocrinology and Metabolism at the University of British Columbia, with 40 years experience in women's health.  In this episode, Dr. Prior covers:The role of estrogen and progesterone in bone health, breast and endometrial cancer risk, fertility, weight, and heart healthWhy hormone balance is important regardless of whether you want to get pregnantThe confusion over whether and how stress impacts our reproductive healthWhy it is hard for women to be aware of some of this researchSignup for the CeMCOR Newsletter & learn facts about how your body changes over life phases.If you liked this episode please review on iTunes & share with 2-3 friends.Recommended Books:Period Repair ManualHormone Repair ManualSex MattersRelated Podcast Episodes:Hormone Repair after 40Sex Matters in Healthcare:  What Women Need to Know and Do About ItThe Optimal Way to Treat Hormone ImbalanceAnd be sure to:Follow Fempower Health on Instagram Shop the Fempower Health storeSponsors:OOVA - use code FEMPOWER10 for 10% off ReceptivaDx the sponsor of all of Season 2.  Provide code FEMPOWER-HEALTH for $75 off.**The information shared by Fempower Health is for information only and is not medical advice.  Always talk to your doctor before making health-related decisions. Contains affiliate linksAbout Dr. Jerilynn PriorJerilynn C. Prior BA, MD, FRCPC investigates women's menstrual cycles, ovulatory disturbances within regular cycles with osteoporosis, cardiovascular disease and breast cancer and endometrial cancer risks. She also studies the hormonal and experience changes in perimenopause and treatment of perimenopausal and menopausal hot flushes with progesterone. She is the 2019 recipient of the Michael Smith Foundation for Health Research Aubrey J. Tingle Prize awarded to a “BC clinician scientist whose work in health research is internationally recognized”. She is Scientific Director of the Centre for Menstrual Cycle and Ovulation Research (CeMCOR, since 2002) with its website (www.cemcor.ca) providing practical evidence-based information through a mean of 3,000 page-views/day.  She has led the British Columbia Centre of the population-based Canadian Multicentre Osteoporosis Study (CaMos) since 1994. In addition to authoring over 200 peer-reviewed papers (H Index 65), Dr. Prior is the author of the award-winning book, Estrogen's Storm Season: Stories of Perimenopause (2005, 2nd ed. 2018), a novel written to inform/empower women with perimenopause information.

Take Back Retirement
27: Health Savings Accounts (HSA's): What Women Need to Know

Take Back Retirement

Play Episode Listen Later Sep 30, 2021 36:32


Today we talk all things Health Savings Accounts. An HSA can be a really powerful savings tool but, like everything else in the world of finance, it literally pays to know the game and play by the rules.   The HSA can serve as a long-term savings account for medical expenses sometime in your lifetime—whether one week down the road or 40 years down the road. It is the only type of account that, when done right, gives you triple (and maybe quadruple) tax advantages.   This sounds like a great deal, which then begs the question: “Why isn't everybody starting an HSA and dumping all their money into it?”   Listen in as Stephanie and Kevin answer that question and more, including best practices for putting money in and taking money out of your account, what your HSA may be able to cover that a typical medical insurance plan doesn't, and how to ultimately decide whether or not to take advantage of this (potentially) powerful financial vehicle.   Key Topics: The difference between a Flexible Spending Account (FSA) and an HSA. (4:25) The HSA's four tax advantages. (07:29) “So, this sounds awesome. Why doesn't everybody put all their money into this thing?” (9:01) If you have a high-deductible health plan, can you put a large sum into an HSA? (11:28) Considerations around HSA catch-up contributions. (15:11) When to take money out of an HSA. (16:30) What your HSA covers that your typical medical insurance doesn't. (20:02) “What happens if I die and I've got a balance in my HSA?” (24:06) How to decide whether or not to open an HSA. (28:15) “With an HSA, you don't have to have earned income.” (32:21)   Resources Mentioned: Take Back Retirement episode 24: She Did It! Real Retirement Stories w/ KT https://takebackretirement.com/podcasts/she-did-it-real-retirement-stories-w-kt/ Take Back Retirement episode 15: What Women Need to Know About Social Security https://takebackretirement.com/podcasts/what-women-need-to-know-about-social-security/   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Take Back Retirement
20: Women + Roth IRA's - What Should You Be Aware Of?

Take Back Retirement

Play Episode Listen Later Jun 15, 2021 42:40


In the United States, we can't talk finances without talking taxes. It shouldn't come as a surprise that taxes are an inevitable part of our reality and are inescapable. The best (and only) way to go about navigating taxes is to, as Stephanie and Kevin like to say, “be smart about it, know what's going on, then make your decisions.”     A Roth IRA is a tool that falls under the category of tax planning. So, it's vital to be aware of exactly what it is and how best to make use of it depending on your circumstances and goals.     “What's a Roth IRA, anyway?” you may ask. Basically, it's a special retirement account that was created in 1997 by Senator William Roth as part of one of the tax reform acts that get passed periodically. One of the primary differences between the Roth and the traditional IRA is that, unlike the traditional IRA, you are not taxed on the dividends you earn from the Roth.     Listen in and learn other notable differences between the traditional IRA and the Roth IRA, the rules around taking money out of a Roth, three scenarios in which one would want to open a Roth IRA; and how to prepare your Roth savings for your next of kin.     Key Topics: “What the heck is a Roth IRA, anyway?” (3:06) Differences between the traditional IRA and the Roth IRA (5:35) Can you really take money out of a Roth IRA whenever you want? (14:49) The five-year clock for IRA accounts (18:40) Why even open a Roth IRA? (23:05) Leaving a legacy: Passing on your Roth money to the next generation (32:47) What is the “deathbed Roth conversion” strategy? (35:22) Ultimately, what are your priorities? (37:24)     Check out Kevin's video here: https://www.youtube.com/watch?v=lloGStTwFdw Check out our previous episodes for more information on this topic. 12: What Women Need to Know About IRAs with Sarah Brenner https://podcasts.apple.com/us/podcast/12-what-women-need-to-know-about-iras-with-sarah-brenner/id1534658342?i=1000509034189 15: What Women Need to Know About Social Security https://podcasts.apple.com/us/podcast/15-what-women-need-to-know-about-social-security/id1534658342?i=1000514954805   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com     You can find the transcript and more information about this episode at www.takebackretirement.com.

Take Back Retirement
19: You Want to Retire Before Age 65? Here's What You Need to Know

Take Back Retirement

Play Episode Listen Later May 30, 2021 32:47


Retiring by the age of 65 is a process that contains many more moving pieces than most people think. In this episode, we tackle these factors one-by-one and offer some advice on how to cover all your bases before taking the plunge into retirement.   The first question we have to address is, why 65? It’s true that, historically, Social Security kicked in once you turned 65 and so did a number of pension plans (you know, the ones your grandparents might have had). But today’s realities are different to what they were decades ago.   Listen in and learn how to determine what your lifestyle is going to cost upon retiring and what you need to understand about Medicare, Social Security, and other programs going into retirement. We also touch on the three key assets and how to prepare them in covering your short- and long-term goals: your retirement account, your non-retirement assets, and your illiquid assets.   Key Topics: First of all, why 65? (1:26) The first question we ask any of our clients who want to retire at 65 (2:38) What to know about Medicare eligibility and retirement (04:22) Why 65 is no longer the magic age for claiming Social Security benefits (6:33) Know your assets and expenses (8:24) “What is the least amount that I have to do until I can figure out what I can do?” (10:08) Why you shouldn’t rely on your savings or Social Security checks (11:58) What people often miss when it comes to their retirement assets (14:24) Utilizing your taxable savings (17:48) What to do to retire before 59-and-a-half (19:04) Addressing your short- and long-term needs around with your investments (21:05) Are your savings enough for what you want to do upon retirement? (24:36) What could go wrong with your plan? (28:18)     Read the article on the EBRI study mentioned by Stephanie. “Retirees are overly optimistic about their financial future” on MarketWatch -> https://www.marketwatch.com/story/retirees-are-overly-optimistic-about-their-financial-future-11620090728   Learn what is considered the full retirement age by birth year at https://www.ssa.gov/oact/progdata/nra.html   Check out our previous episodes for more information on this topic. Thinking Beyond Retirement: 04: Give Yourself Permission to Plan Your Next Chapter, with Randi Levin -> https://podcasts.apple.com/us/podcast/04-give-yourself-permission-to-plan-your-next-chapter/id1534658342?i=1000494887361 08: Retirement is More than Money with Autumn Nessler -> https://podcasts.apple.com/us/podcast/08-retirement-is-more-than-money-with-autumn-nessler/id1534658342?i=1000502416366 Retirement Spending: 05: A Simple Framework for Thinking About Retirement Expenses -> https://podcasts.apple.com/us/podcast/05-simple-framework-for-thinking-about-retirement-expenses/id1534658342?i=1000496486744 Social Security Basics: 15: What Women Need to Know About Social Security -> https://podcasts.apple.com/us/podcast/15-what-women-need-to-know-about-social-security/id1534658342?i=1000514954805   If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter: https://twitter.com/SofiaFinancial Facebook: https://www.facebook.com/SofiaFinancial YouTube: https://www.youtube.com/channel/UCKUms6lf61kp-5_d3PqcUrw LinkedIn: https://www.linkedin.com/in/StephanieMcCullough   Follow Kevin on Twitter: https://twitter.com/2ndHalfPlan Facebook: https://www.facebook.com/AFMGPlanning/ YouTube: https://www.youtube.com/channel/UCr8NYpNUlJIATX504hqKOyQ?view_as=subscriber LinkedIn: https://www.linkedin.com/in/KevinmGaines Website

Bossed Up
The Politics of Being a Powerful Woman

Bossed Up

Play Episode Listen Later Sep 15, 2020 35:52


In today’s episode, Emilie sits down with accomplished political strategist, communication expert, organizational leader, and new author Joni Wickham. Joni brings her experience as a southern-native and Chief of Staff to former Kansas City Mayor Sly James to the conversation to discuss the kind of leadership it takes to fight for policy change and racial and gender justice in today’s political climate.Related Links:Learn more about Joni’s work hereGrab a copy of The Thin Line Between Cupcake and Bitch: Taking Action, Driving Change, Getting ResultsEp 183: How to Flip the Script on Impostor SyndromeSign up for our FREE online leadership training: What Women Need to LeadEnroll in Level Up: our leadership accelerator today!Join Bossed Up’s Courage Community on Facebook

Bossed Up
3 Tips to Effectively Manage Up

Bossed Up

Play Episode Listen Later Sep 10, 2020 14:40


Communication and transparency go a long way in the workplace. In today’s episode I share 3 best practices that will get you noticed by your boss - in a good way. Related Links:Sign up for our FREE online leadership training: What Women Need to LeadEnroll in Level Up: our leadership accelerator today!Join Bossed Up’s Courage Community on Facebook This episode was sponsored by Vionic Shoes.

OldGuyTalksToMe
4. Urinary Incontinence, Vaginal Atrophy/Vaginal Rejuvenation

OldGuyTalksToMe

Play Episode Listen Later Mar 8, 2020 47:00


Vaginal Atrophy Vaginal Rejuvenation Yeah You Read That Right Barbie Doll Vulva What Old Guys Need to Know, What Women Need to Know Sex For Some Women, Especially Older Women, Can Be Painful and They Tend To Avoid It. Urinary Incontinence Is An Issue For Many Others Are You Or Your Significant Other Suffering Usually With Embarrassment and Alone?  Listen to This Podcast As I Discuss What Modern Treatments Are Out There To Heal This Problem Many Couples Face Dr. Anna Cabeca has been Featured on NBC and Huffington Post and hostess of CouchTalk podcast Dr. Anna Cabeca is an internationally-acclaimed menopause and sexual health expert, global speaker and pioneering promoter of women's health. She is Emory University-trained and triple board-certified in gynecology and obstetrics, integrative medicine and anti-aging and regenerative medicine, and is the author of “The Hormone Fix,” a diet and holistic lifestyle program for menopausal women. Her areas of specialty include bio-identical hormone treatments and natural hormone-balancing strategies, and she has received extensive notoriety for her virtual transformational programs including Women‘s Restorative Health, Sexual CPR® and Magic Menopause. She created the successful and popular alkaline superfoods drink Mighty Maca® PLUS, and a top-selling, rejuvenating feminine vulvar cream for women, Julva®. In her spare time, Dr. Cabeca hosts the highly-regarded series “Couch Talk,” featuring compelling podcasts focused on a wide variety of important health and wellness topics. She was named “2018 Innovator of the Year” by Mindshare, the #1 conference for health and wellness influencers, and was also honored with the prestigious 2017 Alan P. Mintz award, presented annually by the Age Management Medicine Group to the most outstanding physician who displays clinical excellence and entrepreneurship. Dr. Cabeca has reached hundreds of thousands of women around the globe, inspiring them to reclaim their optimal health and realize they can journey through menopause and find more purpose and pleasure than they ever dreamed possible. She balances her passion for women's health with faith, grace and skill, while raising her four daughters, and leading the non-profit foundation she created in honor of her son, Garrett V. Bivens, who tragically died as a toddler. Dr. Cabeca infuses her presentations with humor, raw connection and passion, and she impacts lives each and every day. Follow her journey on her blog at DrAnnaCabeca.com and connect with her on Facebook, Twitter and Instagram. Are You Suffering With ED But Are EMBARRASSED TO FIND OUT YOUR OPTIONS DETAILS ON MEDICAL GRADE THERAPIES HERE AT https://www.myjunkdoesnotwork.com    

No Small Talk
12. What You Need to Do to Be More Successful in Love (From a Man's Perspective)

No Small Talk

Play Episode Listen Later Nov 20, 2019 70:06


In today's episode, we are joined by Ivy Gales and Shani Farmer and we discuss our experience at Stephan Speaks "You Deserve It: Love, Happiness and Success" tour. We touch on the highlights of the conference, what we liked, what we didn't like so much, and our general thoughts on the pressure single women feel to be more desirable and approachable by men. Here's what to expect: Shani shares her own relationship journey, how she introduced the idea of celibacy to her now husband, and how she had to learn to tap into her feminine power to allow him to lead the direction of the relationship. Ivy explains how witnessing her parents' 42-year old marriage has helped her to remain optimistic as a single woman; and her desire to be chased and led in a relationship. Sherry expresses her frustration with the narrative of the single black woman who cannot get a man because she's not feminine or vulnerable enough, and that she's to blame for being single. Child, this was a deep one. It's also a long one. But listen to the full episode for all of the gems, we promise you won't regret it. Plus, Shani and Ivy share their favorite no small talk conversations starters. Links and Resources Mentioned in this Episode: Episode 8: What is Your Greatest Achievement | Conversation on Identifying Your Purpose and Passion Stephan Speaks "You Deserve It: Love, Happiness and Success" tour Stephan Speaks, Finding love After Heartbreak Steve Harvey, Act Like a Lady, Think Like a Man: What Men Really Think About Love, Relationships, Intimacy and Commitment Yasir Qadhi, What Women Need to Know About Men Social Media: Shani Farmer- @farmerwifeedition No Small Talk Podcast- @nosmalltalkpodcast #nosmalltalk Subscribe & Review in Apple Are you subscribed to our podcast? If you're not, we want to encourage you to do that today. We've been adding a lot of bonus tips and conversation starters to each episode, and if you're not subscribed, you may miss out on the goodness. Click here to subscribe in Apple. Now if you're feeling extra generous, we'd love if you left us a review on Apple as well. Those reviews help other people find the podcast. Just click here to review, select "Ratings and Reviews" and "Write a Review" and let us know what you love about the episode. Thank you! --- Send in a voice message: https://anchor.fm/no-small-talk/message

WAW Podcast
What Women Need to Know and Do

WAW Podcast

Play Episode Listen Later Feb 15, 2019 10:42


What Women Need to Know and Do!

Butterfly Evolution Radio
Kleptomaniac: Who’s Really Robbing God Anyway

Butterfly Evolution Radio

Play Episode Listen Later Apr 9, 2018 100:00


KLEPTOMANIAC, Who's Really Robbing God Anyway is a trek through the pages of the Bible to find the untwisted truth about the centuries-old teachings on tithes and offerings. Every page of this book has information that will make you become an analyst in getting to the bottom line of what tithing is in the Old and New Testament. It takes you on a journey to first define the word tithe and then breaks down the differences between giving and tithing as the Bible instructs.  For church-goers who are tired of being told they rob God of tithes and offerings every Saturday and Sunday, and that God requires a tenth of their income until death, this new book opens the biblical scroll and shines a light on the truth of scripture by debunking centuries-old tithe doctrines, which say a tithe is ten percent of a person's income. The author also explains why many church-goers are not the ones who really rob God. But exposes who the real God robbers are in this shocking tithe manifesto. Dr. FRANK CHASE, JR., is a native of Baltimore, Maryland. He graduated from Walbrook High School in 1978 and then enlisted and served in the United States Army for four years. During his path in life, he has served as a teacher, counselor, mentor and leader in men's ministries and has spoke at various men’s conferences. He is a graduate of Washington State University and has a BA degree in Communications with a minor in Sociology. Because Frank believes in education, he pursued religious degrees and graduated from North Carolina College of Theology with a Bachelor of Biblical Studies, a Master of Arts in Theology, and a Doctor of Theology.  He also started his publishing company, FC Publishing, LLC to self publish his first two books. As a writer, Dr. Chase authored his first book, False Roads to Manhood, What Women Need to Know: What Men Need to Understand, dealing with the issues of manhood.  ~ Dr. Frank Chase Jr.

The Relationship School Podcast
SC 190 - Transforming Defensive Men Into Inspired Men - Adam Gilad

The Relationship School Podcast

Play Episode Listen Later Apr 2, 2018 37:21


 Men are getting their world's rocked by the #MeToo movement and the rapid change in gender norms. In this episode, Jayson taps into Adam Gilad's valuable insight on men in the modern world. SHOWNOTES: Who is Adam Gilad & What is Going on With Men Right Now [3:00] Men and the #MeToo Movement [8:00] Why Does the #MeToo Movement Make Some Men Defensive? [11:00] Why Male Identity Ultimately Doesn't Mean Shit [14:00]  Mom Issues and Male Rage [18:00] Thoughts on Male Conditioning [20:00] How do you Help People who Don't Want to be Helped? [23:00] What Women Need to Know About men Right now [25:00]   For the full web posting for this Smart Couple Podcast episode visit https://relationshipschool.net/podcast190

DSR: Become a Better Man by Mastering Dating, Sex and Relationships (formerly Dating Skills Podcast)
96| What Women Need in Marriage and Examining the Merits of Marriage - Shaunti Feldhahn

DSR: Become a Better Man by Mastering Dating, Sex and Relationships (formerly Dating Skills Podcast)

Play Episode Listen Later Jul 24, 2015


In this Episode we talk to guest Shaunti Feldhahn96| What Women Need in Marriage and Examining the Merits of Marriage - Shaunti Feldhahn.Link: https://www.datingskillsreview.com/ep-96-what-women-need-marriage-shaunti-feldhahn/

Can We Talk for REAL
WHAT MEN WANT WHAT WOMEN NEED

Can We Talk for REAL

Play Episode Listen Later Oct 31, 2013 97:00


WHAT MEN WANT WHAT WOMEN NEED? Women say men are complicated? Men say they are easy to understand? Do you really understand the needs of your significant other? Do you know what makes them happy? Call tonight  @ 7:30 347-215-8985. 


The church is supposed to be a place where you can find safety and comfort. Tonight on "The Dedan Tolbert Show", you'll hear from a woman who found neither. In fact, she had her virginity taken...by a very well known pastor. This woman's courageous and brutally honest story will leave you speechless. If you missed it the first time, tune in tonight at 9:00pm EST by calling 646 200 0366 or listen online at DedanTolbert.com. My two disk CD, "What Women Need to Know...But Don't Want to Hear" is ON SALE now at DedanTolbert.com

Heart & Soul for Women of Faith
"He Will BRING It" (Diane Markins)

Heart & Soul for Women of Faith

Play Episode Listen Later Jan 19, 2011 62:00


After surveying hundreds of women, Diane Markins learned that all women are unique yet desire the same top 10 things in life. She’ll share some personal stories, what the top 10 are, and what we need to do to begin allowing God to "Bring It!" As women focus on the needs of others, they can get out of touch with what they desire, letting dreams slip away. Diane's message is a reminder that paying attention to the desires of our own hearts is not selfish, but a way to replenish our ability to continue doing all we are called to accomplish. "I’ve learned that all women want and need the same things, but we each need encouraging reminders that God is able and willing to bring It to us. I love sharing stories from my life and others about surprising ways He’s done just that." Diane Markins brings insight, inspiration, and a smidge of intentional insanity to her audiences. She writes and speaks in a "high def, authentic style" about issues that impact daily living for women of all ages and stages. You'll find her work at CBN.com, MOPS.org, the Presidential Prayer Team, and a variety of print publications. She contributed to two recently released women's devotionals, Quiet Reflections of Peace and Take My Heart, Oh God. “I believe that surviving life's challenges offers us an opportunity to learn and help others through their journey. By sharing my experiences candidly--as well as how God met me there— I am able to relate to women on an intimate level, bringing them renewed hope and refreshed faith.”


Ladies, my new two disk audio book, "What Women Need to Know... But Dont Want to Hear" will tell you everything you need to know about how to meet and keep a good man this spring. Get your copy TODAY at Dedansplace.net for only $14.95 (Free Shipping)

Voices of the Sacred Feminine
Julia Hughes Jones - What Women Need To Know About Their History - Voices of the Sacred Feminine

Voices of the Sacred Feminine

Play Episode Listen Later Sep 24, 2009 90:00


Author Julia Hughes Jones, pioneering woman politician from Arkansas, overrides Martin Luther's message of women's inferiority in her new book, The Secret History of Weeds or What Women Need to Know About Their History.